Per request made in a branch or by telephone to stop payment of an item

$25

Per request made online to stop payment on a check

Excess Transaction Fee

$10

Excess Transaction Fee will be charged for each withdrawal transaction not made in-person over the monthly limit of 6

Branch Cash Deposit Fees

$0.003

Per dollar deposited. For example, if you deposit $1,000, you will be charged a $3.00 Branch Cash Deposit Fee.

Other Service Fees

Please consult your Miscellaneous Fee Schedule for a list of additional service fees.

Overdraft Fees

Overdraft Fees

NSF - Returned Item

$38

Per returned item presented against insufficient funds (see maximum penalty fee number below)

Deposited Item Returned Fee

$12

For each item that you deposit or cash that is rejected by the payor bank ($25 for foreign items)

NSF Charge - Paid Item Fee

$38*

Per overdraft item covered by the bank

*NSF Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

Transaction Limits

Transaction Limits

Withdrawal transactions from savings and money market accounts are governed by federal law and, if transaction limitations are exceeded, the account could be reclassified as non-interest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party by means of a preauthorized agreement, telephonic request, check, debit card, draft or similar order (including Online Banking transfers and sweep transfers from a savings or money market account) to a total of six (6) per month. There is no limit on the number of withdrawals from such accounts when made in person at a BBVA Compass banking office or at an automated teller machine. Withdrawal transactions subject to Excess Transaction Fees.

Withdrawals

Withdrawals

As required by Federal Law. BBVA Compass reserves the right to require account holders to provide at least seven (7) days' notice prior to withdrawal or transfer of funds.

Interest Earnings

Interest Earnings

BBVA Compass offers savings and investment accounts with various rate structures to meet your needs. BBVA Compass pays interest on "net usable funds" at variable interest rates set by BBVA Compass management from time to time at its discretion. "Net usable funds" means collected funds less any reserve imposed on that type of account by the Federal Reserve and less any reserve imposed by Bank management to cover various costs, such as those associated with deposit insurance. All interest rates and reserves applicable to the accounts described in this schedule are available from BBVA Compass upon request. A taxpayer identification number will be required in accordance with IRS regulations.

Processing Policies

Processing Policies

Posting OrderThe order in which withdrawals and deposits are processed

We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity.
Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day.

Summary of Our Deposit Hold PolicyWhen funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Account Agreement for a detailed description of our policy).

Cash deposit with Teller or ATM: same business day as the day of deposit

Direct deposit or wire transfer: same business day as the day of deposit

Check deposit with Teller or ATM: same business day as the day of deposit

Remote Deposit Online: same business day as the day of deposit

If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit.

A "business day" is a non-holiday weekday. At branches, business days end at closing time and at ATMs business days end no earlier than 1 pm. Remote Deposit Online business days end at 8 pm CST.

Dispute Resolution

Dispute Resolution

Dispute Resolution Agreement

If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.

The following chart shows the annual percentage yield and interest rate effective as of March 1, 2018. Annual percentage yield and interest rates are variable and at our discretion, we may change the interest rate at any time. For tiered rate accounts, the rate corresponding to your Daily Collected Balance will be applied to your entire Daily Collected Balance. To obtain current rate information, contact us at 1-800-COMPASS.

Preferred Money Market for Business Account

Daily Collected Balance

Interest Rate

Annual Percentage Yield

Less than $10,000

0.050%

0.05%

$10,000 to $19,999

0.050%

0.05%

$20,000 to $49,999

0.050%

0.05%

$50,000 to $99,999

0.050%

0.05%

$100,000 to $249,999

0.100%

0.10%

$250,000 to $999,999

0.100%

0.10%

$1,000,000 to $2,499,999

0.150%

0.15%

$2,500,000 to $4,999,999

0.150%

0.15%

$5,000,000+

0.150%

0.15%

Interest accrued during a statement cycle is credited to the balance in the account on the first business day of the following statement cycle. If you close your account or convert your account to a non-interest earning account before interest is credited, you will not receive the accrued interest.